BFI Finance Indonesia Tbk PT
IDX:BFIN
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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EV/S
Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.
Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.
Valuation Scenarios
If EV/S returns to its 3-Year Average (3.6), the stock would be worth Rp1 263.86 (62% upside from current price).
| Scenario | EV/S Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 2.2 | Rp780 |
0%
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| 3-Year Average | 3.6 | Rp1 263.86 |
+62%
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| 5-Year Average | 3.9 | Rp1 360.55 |
+74%
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| Industry Average | 4.2 | Rp1 480.74 |
+90%
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| Country Average | 1.5 | Rp518.89 |
-33%
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Forward EV/S
Today’s price vs future revenue
| Today's Enterprise Value | Revenue | Forward EV/S | ||
|---|---|---|---|---|
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Rp13.6T
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/ |
Jan 2026
Rp6.5T
|
= |
|
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Rp13.6T
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/ |
Dec 2026
Rp6T
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= |
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Rp13.6T
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/ |
Dec 2027
Rp6.3T
|
= |
|
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Rp13.6T
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/ |
Dec 2028
Rp7.2T
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= |
|
Forward EV/S shows whether today’s EV/S still looks high or low once future revenue are taken into account.
Peer Comparison
| Market Cap | EV/S | P/E | ||||
|---|---|---|---|---|---|---|
| ID |
|
BFI Finance Indonesia Tbk PT
IDX:BFIN
|
11.6T IDR | 2.2 | 7.3 | |
| US |
|
American Express Co
NYSE:AXP
|
214.2B USD | 4.8 | 19.3 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
117.9B USD | 0 | 40.8 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.7T INR | 11.3 | 31.6 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 0 | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
25.7B USD | 0 | 7.3 | |
| IN |
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Shriram Finance Ltd
NSE:SHRIRAMFIN
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2.4T INR | 9.9 | 23.1 | |
| US |
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SoFi Technologies Inc
NASDAQ:SOFI
|
23.4B USD | 0 | 48.7 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
16.3B USD | 0 | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
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1.4T INR | 9.9 | 16.1 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.4T INR | 10.2 | 31.8 |
Market Distribution
| Min | 0 |
| 30th Percentile | 0.6 |
| Median | 1.5 |
| 70th Percentile | 3.3 |
| Max | 414 768.4 |
Other Multiples
BFI Finance Indonesia Tbk PT
Glance View
PT BFI Finance Indonesia Tbk engages in the provision of consumer financing and leasing services. The company is headquartered in South Tangerang, Banten and currently employs 10,711 full-time employees. The Company’s business activities include financing and sharia financing. The financing business includes investment financing, working capital financing, multipurpose financing, and other financing activities. The sharia financing business includes financing sale and purchase, investment financing, and financing services. Its consumer financing and finance lease business segments cover the product portfolio by asset type, such as new cars, used cars, used motorcycles, and heavy equipment, consisting of trucks and public transportation, machinery, and others. The company also provides financing without collateral for educational needs, travel, and the development of micro, small and medium enterprises (MSMEs). The firm also provides a range of services, such as check contract, check, application status, payment methods, and debtor data updating form. The company has approximately 212 branches, 38 kiosks, and 45 sharia branches.
